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Barita Investments (XJAM:BIL) Net Interest Margin (Bank Only) % : 4.50% (As of Dec. 2024)


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What is Barita Investments Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Barita Investments's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2024 was JMD677 Mil. Barita Investments's average earning assets for the quarter that ended in Dec. 2024 was JMD15,033 Mil. Therefore, Barita Investments's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 was 4.50%.


Barita Investments Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Barita Investments's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Barita Investments Net Interest Margin (Bank Only) % Chart

Barita Investments Annual Data
Trend Sep15 Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.01 12.56 9.85 3.07 3.06

Barita Investments Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.52 4.01 6.12 3.68 4.50

Competitive Comparison of Barita Investments's Net Interest Margin (Bank Only) %

For the Capital Markets subindustry, Barita Investments's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Barita Investments's Net Interest Margin (Bank Only) % Distribution in the Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Barita Investments's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Barita Investments's Net Interest Margin (Bank Only) % falls into.


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Barita Investments Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Barita Investments's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Sep. 2024 is calculated as

Net Interest Margin (Bank Only) %(A: Sep. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Sep. 2023 ) + Earning Assets (A: Sep. 2024 ))/ count )
=646.217/( (18700.208 + 23494.379)/ 2 )
=646.217/21097.2935
=3.06 %

where

Earning Assets(A: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=7753.331 + 10946.877 + 0
=18700.208

Earning Assets(A: Sep. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=11176.894 + 12317.485 + 0
=23494.379

Barita Investments's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2024 ) + Earning Assets (Q: Dec. 2024 ))/ count )
=676.712/( (23494.379 + 6571.331)/ 2 )
=676.712/15032.855
=4.50 %

where

Earning Assets(Q: Sep. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=11176.894 + 12317.485 + 0
=23494.379

Earning Assets(Q: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=597.779 + 5973.552 + 0
=6571.331

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Dec. 2024) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Barita Investments  (XJAM:BIL) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Barita Investments Net Interest Margin (Bank Only) % Related Terms

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Barita Investments Business Description

Traded in Other Exchanges
N/A
Address
15 Street Lucia Way, Kingston, JAM, 5
Barita Investments Ltd is a stockbroking company. Its services include fixed-income services, fund management services, and the operation of foreign exchange and other income. The group has three business segments: The fixed income segment includes money market activities and securities broking, the Funds management segment includes the administration of several managed funds, and the Other operations segment includes the operation of foreign exchange, investment banking, stock broking, and any other income.

Barita Investments Headlines

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